The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$6,059
−HK$380/mo
▼ 0.25% · 3.875%
HK$6,248
−HK$191/mo
Today · 4.125%
HK$6,439
baseline
▲ 0.50% · 4.625%
HK$6,831
+HK$392/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$12,878/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$6,741
−HK$364/mo
▼ 0.25% · 3.875%
HK$6,922
−HK$183/mo
Today · 4.125%
HK$7,105
baseline
▲ 0.50% · 4.625%
HK$7,480
+HK$375/mo
Deposit HK$1.33M · loan HK$1.33M · min. income ≈ HK$14,210/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$7,271
−HK$456/mo
▼ 0.25% · 3.875%
HK$7,497
−HK$230/mo
Today · 4.125%
HK$7,727
baseline
▲ 0.50% · 4.625%
HK$8,197
+HK$470/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$15,454/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,089
−HK$437/mo
▼ 0.25% · 3.875%
HK$8,306
−HK$220/mo
Today · 4.125%
HK$8,526
baseline
▲ 0.50% · 4.625%
HK$8,976
+HK$450/mo
Deposit HK$1.06M · loan HK$1.59M · min. income ≈ HK$17,052/mo (50% DSR)
Upfront cash ≈ HK$1.06M (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$8,483
−HK$532/mo
▼ 0.25% · 3.875%
HK$8,747
−HK$268/mo
Today · 4.125%
HK$9,015
baseline
▲ 0.50% · 4.625%
HK$9,564
+HK$549/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$18,030/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$9,437
−HK$510/mo
▼ 0.25% · 3.875%
HK$9,691
−HK$256/mo
Today · 4.125%
HK$9,947
baseline
▲ 0.50% · 4.625%
HK$10,472
+HK$525/mo
Deposit HK$797K · loan HK$1.86M · min. income ≈ HK$19,894/mo (50% DSR)
Upfront cash ≈ HK$797K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,907
−HK$684/mo
▼ 0.25% · 3.875%
HK$11,246
−HK$345/mo
Today · 4.125%
HK$11,591
baseline
▲ 0.50% · 4.625%
HK$12,296
+HK$705/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$23,182/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,134
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,459
−HK$330/mo
Today · 4.125%
HK$12,789
baseline
▲ 0.50% · 4.625%
HK$13,464
+HK$675/mo
Deposit HK$266K · loan HK$2.39M · min. income ≈ HK$25,578/mo (50% DSR)
Upfront cash ≈ HK$266K (deposit + AVD stamp duty HK$100 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).